“today is a good day to die”, said my car, and so it did

oh, it’s just the alternator. but it may as well have had the engine fall out on the freeway. sure it can be fixed, but right now it really seems best to let it go — other signs include judgements from lying weasel roommates who legally now can take my money, though they have no moral right whatsoever (if there is a feeling quite like standing there in court while a person lies and lies and lies and is believed and there’s nothing you can do, well, i don’t know what it is). anyway there’s that, and enough old uninsured medical bills, and other little things that went bad here and there, that it makes sense to consider the cleansing effect of a bankruptcy. now this bankruptcy could have excluded the car, and it would have been good for my future efforts to re-establish my credit, if i hung on to the monstrous piece of crap. but. if i hang onto the car and it continues in this steady decline towards the junkyard, then i’d be stuck with no way out of that.

i have till january to think this over. to seek legal aid advice and consider everything. and to probably go ahead and give it its stupid freakin’ alternator, just as a concilatory gesture to keep the peace before our eventual parting of the ways.

cars. can’t live with ’em, can’t drive them over cliffs and not get in major trouble with the insurance company. plus it’s probably littering.

6 thoughts on ““today is a good day to die”, said my car, and so it did

  1. Oh jeez. Any time my car has given me problems I have come as close as is possible to the edge of breakdown as one can come without being involuntarily put into a padded cell.

    I have a couple of friends who’ve gone the bankruptcy route, all with great relief and no regrets. I don’t know if it’s the right thing for you, of course, but they’ve made it look like a damn good way to deal with overwhelming debt.

    P.S. Demand health care at work! You kick ass for them!

  2. oh, i have health care now — but from the time i had kurtwood, on through my broken hand surgery and several horrible asthma attacks due to not having the right medicine and using the ER to get asthma care, i didn’t. and there was one of those bad credit cards that went south (you know, where you miss a month payment and they start adding about a hundred bucks a month in fees and charges and it would take hundreds of dollars to catch up and…) and … well, if i went bankrupt, the tooth debt would also go away, though i don’t really mind paying for that.

    it’s overwhelming only to a person that’s not willing to suffer and devote half their income to debt reduction for the next five years while living in a hovel and eating top ramen. i’m too old for that.

    and i would dearly love to get out from under that car.

    the deciding factor is the old ex roommate. he is pure, pure evil. i’ve never seen anyone lie that proficiently. even my ex husband the sociopath at least had the decency to look a little frantic around the edges when spinning an untruth. but not this guy. his lies had the air of righteousness.

    it’s only about 800 bucks, but it’s the straw that’s breaking this camel’s back. i would do almost anything so that that lying greedy little lying weasel doesn’t get my money.

  3. If you do consider the bankruptcy route, be careful. The credit/banking industry is trying to get one passed which is much in their favor. They almost got it a couple of weeks ago, defeated only by some unexpected opposition from the pro-life people. So watch the news for more attempts.

  4. Going Bankrupt always seems like a good thing but honestly no matter how bad it seems to get it really is not that good – for anyone. Think of the seven years (actually longer) but seven is average that this will be on your credit which seems like nothing when you are facing a mound of debt. But it is a consideration none the less. You could go to debt counseling where they actually do no bankrupt stuff at all and where they handle all of the debts for you, you only give them X amount of $’s per pay day and they do the work. Meaning they put the creditors at bay with the payments. The good thing about this route KD is that eventually on your credit report it states that you paid it in full which believe me looks a hell of a lot better in the end then no credit at all after seven years. No credit is = to bad credit and bankruptcy has added the feeling to that.

    I mean I am not in your situation but I do have a NEW possible garnishment of my wages for student loans that I have been fighting now for over two years – they decided that taking 20% of my income each week is good for them eventhough I am fighting them on the amount owed! So I m fighting that right now with all of my might. I will have to by December 8th set up some type of payment plan with them or else. (Eventhough I don’t owe the damn things and have proved it twice over) Clinton passed a resolution that intended to recoup all of the student loan money period in the same maner as the IRS works. From being laid off, I also have several outstanding debts that I have honestly not been able to pay off in the past year since I have in vein been trying to jjust get caught up with! Bankruptcy sounds so good to me too right now, but in the end, I want to do the right thing.

    As far as the CPA (certified public asshole) you had lived with who is taking your money, think Karma. I mean it sounds feeble in the scope of things but it is a sure bet that, “What comes around, goes around.” Pay him with a smile KD, because he who laughs last, laughs best! (and I can imagine him being ate by worms right now, can’t you?) 🙂

    Huggles KD and I hope you make the best choice for you and your family, just know I am thinking about you and we are in the same big ocean in much of the same big boat.

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